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Citi Double Cash Card

in Personal Credit Cards

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Citi Double Cash Card

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in Personal Credit Cards

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Overview

Who is Citi Double Cash Card Designed For?

The Citi Double Cash Card is designed for people with excellent credit who like the simplicity of a straightforward cash-back rewards program, hate messing around with rotating bonus categories and want the option to earn unlimited rewards. 

What are the Rates for Citi Double Cash Card?

The Citi Double Cash Card has a 14.99% APR to 24.99% APR on purchases and balance transfers, depending on each cardholder's creditworthiness. Cash advances have a standard variable rate of 26.74% APR and there is a 29.99% APR penalty rate that applies whenever you are late on a payment.

What are the Fees for Citi Double Cash Card Credit Card?

The Citi Double Cash Card has no annual fee, which is excellent for a credit card that offers so many perks and such a high rewards rate. There is a 5% cash advance fee (minimum of $10), a 3% balance transfer fee ($5 minimum) and a 3% fee on foreign purchases. Late payments and returned payments incur a $35 fee, but Citi will give you a pass the first time you are late on your fee.

What Is Citi Double Cash Card's Rewards Program Like?

The Citi Double Cash Card rewards program is a simple 1% cash back rewards program with a twist. You receive 1% cash back when you purchase stuff and another 1% when you pay for it, whether you pay it immediately or carry a balance. An across the board 2% cash back rate is high even when compared to many travel credit cards that carry an annual fee, particularly when there are no caps or limits to how much you can earn.

However, there are no rotating bonus categories, which may be a drawback for people who use plastic mainly for a particular type of purchases, such as groceries, travel or gas and are looking for a 5% bonus rate. Instead, the Citi Double Cash Card offers consistent and high rewards rate without requiring you to jump through any hoops or use a particular platform to redeem your points or miles.

What about Citi Double Cash Card's Signup Bonus?

There is a $100 cash-back signup bonus if you spend $500 in the first three months. 

Does Citi Double Cash Card Have Any Other Benefits?

The Citi Double Cash Card includes all the prime benefits you would expect for a top-end credit card. These benefits include fraud protection and $0 liability.

How Is Citi Double Cash Card Better Than Other Credit Cards?

Citi Double Cash Card combines the generous purchase and travel benefits of a top travel card with the consistent, no hassle high reward rates only a handful of cash back cards offer into one card. The only caveats to consider are the 3% foreign transaction fee and the 3% balance transfer fee. If you're planning to transfer your balance from another card, there are other options, such as Chase's Slate, that waive the balance transfer fee.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period
23
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$35
Returned Payment Fee
$35
Minimum Interest Charge
$0.5
Foreign Currency Transaction Fee
3%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
640 - 850
850 300 640
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • ID Theft Protection
  • Travel Assistance
Flight Insurance
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Rewards Categories
  • Every Purchase
Every Purchase
1%
Signup Bonus
$100
Cash Advance APR
(Variable APR)
Starting at
26.74%
Purchases APR
(Variable APR)
14.99% - 24.99%
0% 29%
Balance Computation
daily balance (including current transactions)
Penalty APR
29.99%
Balance Transfer APR
(Variable APR)
14.99% - 24.99%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3% ($5 minimum)

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